Credit cards that offer flight and travel credit | finder.com
Couple planning new travel with a map

Cards with flight and travel credits

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

Get companion flights and travel rewards by using your credit card.

Some credit cards offer companion certificates or travel credits that you can use to pay for flights. You can offset the cost of the card’s annual fee by taking advantage of perks offered by travel credit cards.

Our pick for travel rewards

Chase Sapphire Preferred® Card

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Chase Sapphire Preferred named "Best Credit Card for Flexible Travel Redemption" - Kiplinger's Personal Finance, June 2018
  • 2x points on travel and dining at restaurants worldwide and 1 point per dollar spent on all other purchases
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
Read less
Read more
Promoted

Compare cards with travel rewards

Updated January 17th, 2019
Name Product Welcome Offer Reward Value per Dollar APR (Annual Percentage Rate) for Purchases Annual Fee
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
1x points
17.99% to 24.99% variable
$0 annual fee for the first year ($95 thereafter)
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
Earn 50,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening - that's $750 toward travel when you redeem through Chase Ultimate Rewards®.
1x points
17.99% to 24.99% variable
$450
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
30,000 bonus miles after spending $1,000 in purchases on your new card in your first 3 months and a $50 statement credit after you make a Delta purchase with your new card within your first 3 months.
1x miles
17.99% to 26.99% variable
$0 annual fee for the first year ($95 thereafter)
30,000 bonus miles after you use your new card to make $1,000 on purchases within the first 3 months. Rates & Fees
75,000 Hilton Honors Bonus Points with the Hilton Honors American Express Card after you use your new card to make $1,000 in eligible purchases within the first 3 months of card membership.
3x points
17.99% to 26.99% variable
$0
Earn 75,000 Hilton Honors™ Bonus Points after you spend $1,000 in purchases on the card within your first 3 months of card membership. Rates & Fees
35,000 Membership Rewards® Points after you spend $2,000 on eligible purchases with your new card within the first 3 months.
1x points
See Rates & Fees
$250
35,000 bonus Membership Rewards® Points when you spend $2,000 in the first 3 months Rates & Fees

Compare up to 4 providers

How can I get a companion certificate or travel credit?

This depends on the card, and they usually have these perks listed in the terms and conditions. You can also call to find out how your card distributes companion certificates or travel credits. Possible ways include:

  • An annual benefit. Many credit cards give you up until 12 months or the end of the calendar year to redeem travel credits. That means these benefits can’t be rolled over to be used the next year.
  • An earned perk. In some cases, you have to meet a spending requirement, sometimes up to $30,000 a year, before you can use your flight or travel credit.
  • By request. You may have to request a companion certificate before you can use it. This could take time, so make sure you make your request before the certificate expires.
  • To use with an eligible travel partner. Read the fine print to see if your travel credit or companion certificate is limited to a specific airline.

Will redeeming a companion certificate cost me?

Yes. You’re responsible for paying taxes and fees — usually up to $99. Check with the airline you’re booking with to get the exact cost for your ticket.

What other features do these cards offer?

  • Rewards points or frequent flyer miles. Most credit cards that offer companion certificates or travel credits also earn points per $1 spent on eligible purchases. Redeem these for flights, hotels, car rentals, online shopping and gift cards.
  • Airport lounge access. Premium credit cards could also offer you airport lounge access to provide extra comfort during your trip.
  • Travel insurance. This perk can help you save on travel insurance for your trip. You usually have to pay the entire trip with the card to qualify for travel insurance through the credit card. Check your credit card’s insurance policy for full details on how to activate it and what it covers.
  • Purchase protection. Many of these credit cards offer insurance for items you buy with the card. Coverage can range from protection against accidental damage, theft or loss to extended warranties and price guarantees.
  • No foreign transaction fees. Non-travel cards come with fees up to 3% of each transaction made abroad.
  • Save on checked bags. This perk can save you up to $30 on your first checked bag on a one-way flight. Some travel cards even extend it to others traveling on your reservation.
  • Welcome offer. Some cards offer welcome offers worth $500 or more. Typically you earn one by meeting certain purchase requirements. Once you receive the offer, you can usually redeem it for flights or other travel rewards.

How much do these cards cost?

The rates and fees for these credit cards play a huge part in their value. To work out if one will offer you top dollar for your money there are some key details to consider:

  • Annual fee. Ideally, look for a card that has an annual fee worth the same amount as your companion certificate or travel credit so they cancel each other out. If that’s not the case, make sure the card’s other benefits are worth more than what you’re paying for the annual fee.
  • Purchase interest rate. Cards that offer companion certificates or travel credit usually have higher standard variable purchase rates than other credit card options. Make sure you pay your balance on time to avoid your card costing more than it’s worth.
  • Cash advances. If you use your credit card to get cash out, buy foreign cash, gamble or make any other cash advance transactions, you’ll likely be charged a cash advance fee worth up to 5% of the transaction.

Which cards offer companion certificates equal to their annual fee?

There are two cards out there that offer companion certificates worth the annual fee:

  • Platinum Delta SkyMiles® Credit Card. You get a Domestic Main Cabin round-trip companion certificate every year you renew your card. You’ll only be on the hook for taxes and fees of no more than $75 for a round trip.
  • Delta Reserve® Credit Card. Earn a Domestic First Class, Delta Comfort+® or Main Cabin round-trip companion certificate every year you renew your card. Taxes and fees of no more than $75 for a round trip are still required.

Bottom line

The value of companion certificates or travel credits vary based on the flights or travel you choose. Other perks could add value, but general travel cards could better suit your travel style.

Start by comparing options based on your spending habits and what you want to get out of the card. Remember to check the eligibility requirements and conditions around the voucher before you apply.

Images: Shutterstock

Back to top

Kliment Dukovski

Kliment Dukovski is a writer who specializes in global financial markets and personal finance, with a focus on credit cards. His main goal is to deliver honest and accurate information to help you make the right financial decision. When he's not writing about finance-related subjects, he writes sci-fi stories.

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.

US Credit Card Offers

Important Information*
Go to site